Granite Bank in Florida vs the state
9.4%Denial rate-11.63 pts vs state
11.2%Decision denial rate-16.00 pts vs state
74.5%Origination rate+21.84 pts vs state
6.63%Median rate0.00 pts vs state
0.44Rate spread (pts)+0.17 pts vs state
$118kMedian applicant income
79Loans originated
10Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 96 | 68 | 10.4% | 6.81% | #483 |
| 2025 | 106 | 79 | 9.4% | 6.63% | #473 |
What Granite Bank lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Granite Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Charlotte County | 38 | 29 | 5 | 13.2% |
| Lee County | 13 | 10 | 1 | 7.7% |
| Sarasota County | 8 | 7 | 0 | 0.0% |
| DeSoto County | 5 | 4 | 0 | 0.0% |
| Polk County | 4 | 3 | 0 | 0.0% |
| Manatee County | 4 | 1 | 2 | 50.0% |
| Collier County | 3 | 2 | 0 | 0.0% |
| Okaloosa County | 3 | 2 | 0 | 0.0% |
| Miami-Dade County | 3 | 3 | 0 | 0.0% |
| Pinellas County | 3 | 2 | 1 | 33.3% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 106 applications in 2025, of which 79 were originated and 10 denied.
9.4% of all applications, or 11.2% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Granite Bank originated in Florida in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Granite Bank's own HMDA filing for properties located in Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology